Draft Terms of Use

1. Parties and acceptance

These proposed Terms of Use would govern access to the Core Currency Index website, assessments, dashboards, reports, and related services (the “Service”). The Service operator is Prope Solem LLC, a Kansas limited liability company, with a principal address at 509 Seitz Drive, Salina, Kansas 67401 (“CCI,” “we,” “us,” or “our”).

Before public launch, counsel should specify how and when a user affirmatively accepts the final terms, including the treatment of organization-sponsored participants and updated terms.

2. Purpose and limits of the Service

CCI is a framework for personal development and understanding human motivation. It is not a clinical, medical, psychological, psychiatric, legal, financial, or employment assessment. Results do not diagnose a condition, determine a person’s worth, or guarantee behavior, performance, compatibility, or any particular outcome.

Users and organizations are responsible for how they interpret and apply results. The Service should not be used as the sole basis for hiring, firing, promotion, discipline, medical care, or another high-impact decision about a person.

3. Eligibility and accounts

A user must be at least [MINIMUM PARTICIPANT AGE] and able to enter a binding agreement, or participate with authorization from a parent or legal guardian if counsel approves a minor-use model. Users must provide accurate account information, protect access to their email account and sign-in links, and promptly notify CCI of suspected unauthorized access.

Organization administrators may manage seats, access codes, and operational participation records only within the authority granted by their organization and CCI.

4. Assessment access, codes, and results

An active entitlement is required to begin and submit a new assessment. A unique access code may be redeemed once by the intended recipient and must not be sold, guessed, automated, or transferred without permission. CCI may expire, revoke, replace, or correct codes when needed to address fraud, error, a refund, or support request.

A participant who completes an assessment retains account access to their owned historical result, subject to account security, lawful retention requirements, and the availability provisions below. Repeating an assessment may require a separate entitlement.

5. Organization-sponsored participation

An organization may purchase or receive seats and sponsor a participant’s assessment. Sponsorship does not automatically grant the organization access to the participant’s answers, currency profile, blend, or complete report. Any future sharing of participant results with an organization must use a separate, explicit consent process that explains what will be shared, with whom, for what purpose, and whether consent can be withdrawn.

Counsel should confirm any separate organization agreement, data-processing terms, administrator duties, and rules for organization-level reporting before those features are offered.

An account holder may convert an available credit into their own assessment access or reserve credits for invitations. Once converted or accepted by an invitee, a credit is spent.

An individual account holder may also invite a named recipient. The inviter must have an available assessment credit. One credit is reserved for each active invitation, returned if the invitation is declined, revoked before acceptance, or expires unused, and spent when the intended recipient accepts. Acceptance grants the recipient their own assessment access; the inviter cannot reclaim that access. The recipient must use the intended email account and explicitly accept the displayed sharing disclosure. If the recipient completes an assessment through that invitation, the inviter receives read-only access to that report only. The participant remains the result owner and may disable the inviter’s future access. Invitation links must not be published, harvested, or sent to unintended recipients.

6. Intellectual property and permitted use

The CCI framework, currency definitions, Mature Expressions, Currency Exchange movements, counterfeits, flourishing, shadow, depletion, leadership philosophy, Currency Blend Library, Currency Profiles, assessment content, scoring methods, report language, visual design, trademarks, and software are proprietary to CCI or its licensors and are protected by applicable intellectual-property laws.

Subject to the final terms, a participant would receive a limited, personal, non-exclusive, non-transferable license to view and download their own result for personal development. No one may reproduce or publish the complete CCI libraries, scrape or systematically extract content, disclose assessment questions, create derivative assessments, reverse engineer scoring, remove ownership notices, or use CCI materials to train an artificial-intelligence system without prior written permission.

7. Acceptable use

Users may not:

• violate law or another person’s rights;
• impersonate another person or access another user’s results;
• probe, disrupt, overload, or bypass Service security;
• automate sign-in, code redemption, or assessment submission;
• introduce malicious code or interfere with Service operation; or
• use a result to discriminate, harass, or make an unsupported high-impact decision about another person.

8. Fees, purchases, gifts, and refunds

Proposed credit and refund policy

• Purchased assessment credits do not expire unless a different expiration is clearly disclosed before purchase.
• A purchaser may request a full or partial refund within 30 days of purchase for paid credits that remain unused in the purchaser’s account.
• A credit is unused only while it remains available. A credit is no longer refundable after it is converted into the purchaser’s own assessment access or an invited recipient accepts the invitation.
• A credit reserved for a pending invitation is not refundable while reserved. The purchaser may revoke the unaccepted invitation to return the credit to the available balance, then request a refund within the original 30-day period.
• Complimentary, promotional, test, and other no-charge credits have no cash value and are not refundable. A discounted paid purchase is refundable only up to the amount actually paid for its eligible unused credits.
• Approved refunds are returned to the original payment method. Applicable tax adjustments and the time for the bank to post the refund depend on Stripe, the payment method, and applicable law.
• CCI may approve another refund or remedy when required by law or when CCI cannot provide the paid access. Nothing in this policy limits rights that cannot lawfully be waived.

Refund requests would be submitted to support@corecurrencyindex.com. Applicable sales tax would be calculated through Stripe Checkout using the billing information supplied by the purchaser and CCI’s active tax registrations. Tax collection does not replace CCI’s responsibility to register, file, and remit where required.

9. Availability, changes, and suspension

CCI may maintain, secure, improve, or discontinue parts of the Service. CCI may suspend access when reasonably necessary to protect users, investigate misuse, comply with law, or preserve Service integrity. Material changes affecting historical result reproducibility should be versioned and should not silently rewrite a participant’s preserved report.

10. Disclaimers and limitation of liability

[COUNSEL TO DRAFT AND APPROVE WARRANTY DISCLAIMER, LIABILITY CAP, EXCLUSIONS, AND JURISDICTION-SPECIFIC CARVE-OUTS]. The final language should remain consistent with the personal development purpose described above and should not disclaim rights that cannot lawfully be waived.

11. Indemnity and dispute terms

[COUNSEL TO DETERMINE WHETHER AN INDEMNITY, ARBITRATION CLAUSE, CLASS-ACTION WAIVER, OR INFORMAL DISPUTE PROCESS IS APPROPRIATE]. No arbitration or waiver should be added without a deliberate owner decision and jurisdiction-specific review.

12. Termination and surviving provisions

A user may stop using the Service at any time. CCI may terminate or suspend access for a material violation of the final terms, subject to applicable law and any paid-access commitments. Provisions concerning intellectual property, disclaimers, liability, disputes, and obligations that by their nature should survive would continue after termination.

13. Governing law and contact

The final terms would be governed by the laws of Kansas, United States, with venue in Saline County, Kansas, unless applicable law requires otherwise.

Legal notices and questions: privacy@corecurrencyindex.com, or Prope Solem LLC, 509 Seitz Drive, Salina, Kansas 67401 .

Legal-review checklist

• Choose eligibility and minor-participation rules.
• Approve organization terms and participant consent boundaries.
• Draft enforceable disclaimers, liability, and dispute language.
• Approve commerce, gifting, expiration, and refund rules.
• Define acceptance evidence and version-retention requirements.